Balance Sheet PT Bank Jago Tbk OTC Markets

Equities

BJAGF

ID1000136708

Banks

Market Closed - OTC Markets Other stock markets			5-day change	1st Jan Change
- ^USD	-.--%		-.--%	-.--%

12/06	Fitch Rates Indonesia's Bank Jago A-(idn)	MT
23/05	Nomura Adjusts Bank Jago's Price Target to 2,275 Rupiah From 3,000 Rupiah, Keeps at Neutral	MT

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Published financial data: PT BANK JAGO TBK

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	9.01TCr	65TCr	1,50000Cr	1,87500Cr	2,05300Cr
Interest Income, Total	9.01TCr	65TCr	1,50000Cr	1,87500Cr	2,05300Cr
Interest On Deposits	2.54TCr	6.27TCr	15TCr	31TCr	50TCr
Interest Expense, Total	2.54TCr	6.27TCr	15TCr	31TCr	50TCr
Net Interest Income	6.46TCr	59TCr	1,35300Cr	1,56500Cr	1,55300Cr
Gain (Loss) on Sale of Assets	-157Cr	69Cr	3.2Cr	-37Cr	23Cr
Total Other Non Interest Income	185.5Cr	4.41TCr	7.78TCr	19TCr	29TCr
Non Interest Income, Total	28Cr	4.48TCr	7.79TCr	19TCr	29TCr
Revenues Before Provison For Loan Losses	6.49TCr	63TCr	1,43100Cr	1,75800Cr	1,83900Cr
Provision For Loan Losses	1.49TCr	9.23TCr	39TCr	40TCr	30TCr
Total Revenues	5.01TCr	54TCr	1,03800Cr	1,36100Cr	1,54100Cr
Salaries And Other Employee Benefits	16TCr	18TCr	32TCr	44TCr	51TCr
Selling General & Admin Expenses, Total	7.49TCr	34TCr	69TCr	82TCr	84TCr
Total Other Non Interest Expense	464.6Cr	875.2Cr	1.06TCr	1.03TCr	1.76TCr
Non Operating (Income) Expenses	226.6Cr	205.9Cr	-767.7Cr	-713.5Cr	148Cr
Non Interest Expense, Total	24TCr	53TCr	1,01800Cr	1,26700Cr	1,36100Cr
EBT, Excl. Unusual Items	-19TCr	913.4Cr	2.04TCr	9.36TCr	18TCr
EBT, Incl. Unusual Items	-19TCr	913.4Cr	2.04TCr	9.36TCr	18TCr
Income Tax Expense	-	-7.69TCr	451.5Cr	2.12TCr	5.08TCr
Earnings From Continuing Operations	-19TCr	8.6TCr	1.59TCr	7.24TCr	13TCr
Net Income to Company	-19TCr	8.6TCr	1.59TCr	7.24TCr	13TCr
Net Income - (IS)	-19TCr	8.6TCr	1.59TCr	7.24TCr	13TCr
Net Income to Common Incl Extra Items	-19TCr	8.6TCr	1.59TCr	7.24TCr	13TCr
Net Income to Common Excl. Extra Items	-19TCr	8.6TCr	1.59TCr	7.24TCr	13TCr
Per Share Items
Net EPS - Basic	-22.49	6.48	1.15	5.22	9.27
Basic EPS - Continuing Operations	-22.49	6.48	1.15	5.22	9.27
Basic Weighted Average Shares Outstanding	843.06Cr	1.33TCr	1.39TCr	1.39TCr	1.39TCr
Net EPS - Diluted	-22.49	6.48	1.15	5.22	9.19
Diluted EPS - Continuing Operations	-22.49	6.48	1.15	5.22	9.19
Diluted Weighted Average Shares Outstanding	843.06Cr	1.33TCr	1.39TCr	1.39TCr	1.4TCr
Normalized Basic EPS	-14.05	0.43	0.92	4.22	8.09
Normalized Diluted EPS	-14.05	0.43	0.92	4.22	8.01
Supplemental Items
Effective Tax Rate - (Ratio)	-	-841.8	22.1	22.66	28.35
Current Domestic Taxes	-	-	-	56Cr	-
Total Current Taxes	-	-	-	56Cr	-
Deferred Domestic Taxes	-	-7.69TCr	451.5Cr	2.06TCr	5.08TCr
Total Deferred Taxes	-	-7.69TCr	451.5Cr	2.06TCr	5.08TCr
Normalized Net Income	-12TCr	570.88Cr	1.28TCr	5.85TCr	11TCr
Non-Cash Pension Expense	-	-278.9Cr	1.3Cr	123.8Cr	-29Cr

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	32TCr	1,19300Cr	74TCr	1,77500Cr	3,22500Cr
Investment Securities, Total	46TCr	4,64200Cr	4,81400Cr	3,48800Cr	4,26500Cr
Total investments	46TCr	4,64200Cr	4,81400Cr	3,48800Cr	4,26500Cr
Gross Loans	91TCr	5,36900Cr	9,42800Cr	13,02000Cr	17,70100Cr
Allowance For Loan Losses	-8.18TCr	-13TCr	-27TCr	-24TCr	-29TCr
Net Loans	83TCr	5,24200Cr	9,15800Cr	12,77800Cr	17,41300Cr
Gross Property Plant And Equipment	15TCr	18TCr	20TCr	20TCr	23TCr
Accumulated Depreciation	-1.42TCr	-3.13TCr	-5.59TCr	-8.47TCr	-11TCr
Net Property Plant And Equipment	14TCr	14TCr	14TCr	12TCr	12TCr
Other Intangibles, Total	15TCr	50TCr	89TCr	1,39300Cr	1,89200Cr
Accrued Interest Receivable	930.2Cr	8.71TCr	14TCr	14TCr	24TCr
Other Receivables	1.24TCr	4.37TCr	6.93TCr	7.78TCr	7.7TCr
Restricted Cash	13TCr	23TCr	72TCr	1,17900Cr	1,00600Cr
Other Current Assets, Total	9.46TCr	7.61TCr	12TCr	14TCr	16TCr
Deferred Tax Assets Long-Term (Collected)	-	7.75TCr	7.34TCr	5.27TCr	233.3Cr
Other Real Estate Owned And Foreclosed	4.22TCr	7.85TCr	9.39TCr	13TCr	12TCr
Deferred Charges Long-Term	-	-	-	-	-
Other Long-Term Assets, Total	58Cr	747Cr	1.29TCr	2.18TCr	2.5TCr
Total Assets	2,18000Cr	12,31200Cr	16,96500Cr	21,29600Cr	28,54300Cr
Liabilities
Accrued Expenses, Total	4.76TCr	7.71TCr	13TCr	23TCr	25TCr
Interest Bearing Deposits	81TCr	3,73700Cr	8,37800Cr	12,20500Cr	18,91600Cr
Non-Interest Bearing Deposits	-	-	-	-	-
Total Deposits	81TCr	3,73700Cr	8,37800Cr	12,20500Cr	18,91600Cr
Short-Term Borrowings	-	-	-	15TCr	39TCr
Current Portion of Leases	1.12TCr	1.06TCr	1.12TCr	1.16TCr	1.41TCr
Long-Term Leases	5.99TCr	5.3TCr	4.83TCr	4.31TCr	4.07TCr
Current Income Taxes Payable	419.3Cr	707.5Cr	1.15TCr	1.19TCr	1.17TCr
Accrued Interest Payable	213.3Cr	435.1Cr	686.5Cr	1.35TCr	3.77TCr
Other Current Liabilities - (Bank / Utility Template)	257Cr	16TCr	8.93TCr	28TCr	29TCr
Unearned Revenue Non Current	-	-	-	-	6.38TCr
Pension & Other Post Retirement Benefits	491.7Cr	1.15TCr	1.89TCr	6.7Cr	-
Other Non Current Liabilities	442.5Cr	186.4Cr	530.3Cr	227.8Cr	943.4Cr
Total Liabilities	95TCr	4,06300Cr	8,70200Cr	12,93900Cr	20,02400Cr
Common Stock, Total	1,08600Cr	1,38600Cr	1,38600Cr	1,38600Cr	1,38600Cr
Additional Paid In Capital	47TCr	7,10000Cr	7,10000Cr	7,10000Cr	7,10500Cr
Retained Earnings	-33TCr	-25TCr	-23TCr	-16TCr	-2.72TCr
Comprehensive Income and Other	1.18TCr	943.8Cr	777Cr	2.69TCr	5.51TCr
Total Common Equity	1,23200Cr	8,24900Cr	8,26400Cr	8,35700Cr	8,51900Cr
Total Equity	1,23200Cr	8,24900Cr	8,26400Cr	8,35700Cr	8,51900Cr
Total Liabilities And Equity	2,18000Cr	12,31200Cr	16,96500Cr	21,29600Cr	28,54300Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	1.09TCr	1.39TCr	1.39TCr	1.39TCr	1.39TCr
ECS Total Common Shares Outstanding	1.09TCr	1.39TCr	1.39TCr	1.39TCr	1.39TCr
Book Value / Share	113.51	595.36	596.39	603.11	614.69
Tangible Book Value	1,08200Cr	7,75300Cr	7,37600Cr	6,96300Cr	6,62700Cr
Tangible Book Value Per Share	99.67	559.54	532.34	502.54	478.15
Total Debt	7.11TCr	6.36TCr	5.95TCr	20TCr	44TCr
Deposits at Interest - Cash	-	1,16900Cr	62TCr	1,43400Cr	2,93700Cr
Debt Equivalent of Unfunded Proj. Benefit Obligation	-	1.15TCr	1.89TCr	6.7Cr	-96Cr
Net Debt	-57TCr	-3,87200Cr	-2,63500Cr	-2,10200Cr	-2,88200Cr
Full Time Employees	215	371	446	493	530
Number Of Offices	-	-	-	6	7

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	-19TCr	8.6TCr	1.59TCr	7.24TCr	13TCr
Depreciation, Depletion & Amortization	815.9Cr	2.05TCr	2.67TCr	3.11TCr	3.29TCr
Total Depreciation, Depletion & Amortization	815.9Cr	2.05TCr	2.67TCr	3.11TCr	3.29TCr
Amortization of Deferred Charges, Total	19Cr	2.85TCr	7.29TCr	15TCr	21TCr
Change In Income Taxes	338.1Cr	842.1Cr	-10Cr	126Cr	302.2Cr
Change in Other Net Operating Assets (Collected)	-37TCr	-6,69600Cr	-3,54000Cr	-2,20900Cr	-4,28500Cr
Other Operating Activities	4.22TCr	-11TCr	33TCr	42TCr	40TCr
Cash from Operations	-51TCr	-6,65800Cr	-3,09200Cr	-1,54300Cr	-3,51100Cr
Capital Expenditure	-5.12TCr	-3.07TCr	-2.42TCr	-894.4Cr	-1.93TCr
Sale of Property, Plant, and Equipment	5.25TCr	138.8Cr	3.2Cr	227.4Cr	23Cr
Purchase / Sale of Intangible Assets	-15TCr	-37TCr	-46TCr	-64TCr	-71TCr
Investment in Marketable and Equity Securities, Total	-12TCr	-1,76200Cr	-96TCr	-9.53TCr	-1,20900Cr
Other Investing Activities, Total	-	-	-	-	-
Cash from Investing	-26TCr	-2,16500Cr	-1,45200Cr	-74TCr	-1,94000Cr
Long-Term Debt Repaid, Total	-792Cr	-1.05TCr	-1.06TCr	-1.16TCr	-1.6TCr
Total Debt Repaid	-792Cr	-1.05TCr	-1.06TCr	-1.16TCr	-1.6TCr
Issuance of Common Stock	74TCr	6,95000Cr	-	-	547.6Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	18TCr	2,87200Cr	4,59700Cr	3,79300Cr	6,73900Cr
Other Financing Activities, Total	-	-1.66TCr	-	-	-
Cash from Financing	91TCr	9,79500Cr	4,58600Cr	3,78100Cr	6,72800Cr
Miscellaneous Cash Flow Adjustments	-	-	-	-	-
Net Change in Cash	14TCr	97TCr	4.19TCr	1,49400Cr	1,27700Cr
Supplemental Items
Cash Interest Paid	2.52TCr	6.05TCr	14TCr	30TCr	48TCr
Cash Income Tax Paid (Refund)	-	-	-	56Cr	-
Net Debt Issued / Repaid	-792Cr	-1.05TCr	-1.06TCr	-1.16TCr	-1.6TCr

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	-10.83	1.19	0.11	0.38	0.52
Return On Equity %	-19.81	1.81	0.19	0.87	1.52
Return on Common Equity	-19.81	1.81	0.19	0.87	1.52
Shareholders Value Added	-30TCr	-48TCr	-97TCr	-92TCr	-88TCr
Margin Analysis
SG&A Margin	462.03	96.32	97.75	92.89	87.12
Net Interest Income / Total Revenues %	129.11	108.77	130.3	115.04	100.83
EBT Excl. Non-Recurring Items Margin %	-378.62	1.68	1.97	6.88	11.64
Income From Continuing Operations Margin %	-378.62	15.87	1.53	5.32	8.34
Net Income Margin %	-378.62	15.87	1.53	5.32	8.34
Net Avail. For Common Margin %	-378.62	15.87	1.53	5.32	8.34
Normalized Net Income Margin	-236.64	1.05	1.23	4.3	7.28
Asset quality
Nonperforming Loans / Total Loans %	-	0.58	1.81	0.84	0.16
Nonperforming Loans / Total Assets %	-	0.25	1.01	0.51	0.1
Nonperforming Assets / Total Assets %	-	0.89	1.56	1.11	0.52
NPAs / Loans and OREO	-	2.01	2.78	1.79	0.83
NPAs / Equity	-	1.33	3.21	2.82	1.74
Allowance for Credit Losses / Net Charge-offs %	-	-612.52	109.41	55.37	100.31
Allowance for Credit Losses / Nonperforming Loans %	-	409.83	157.91	221.37	996.84
Allowance for Credit Losses / Total Loans %	9	2.37	2.87	1.86	1.63
Provision for Loan Losses / Net Charge-offs %	-	-444.78	158.94	90.85	103.61
Capital And Funding
Total Average Common Equity / Total Average Assets %	54.66	65.43	56.4	43.44	33.86
Total Average Equity / Total Average Assets %	54.66	65.43	56.4	43.44	33.86
Total Equity + Allowance for Loan Losses / Total Loans %	144.73	156.02	90.52	66.04	49.76
Gross Loans / Total Deposits %	112	143.67	112.54	106.68	93.58
Net Loans / Total Deposits %	101.92	140.27	109.31	104.69	92.05
Tier 1 Capital Ratio %	-	168.8	81.75	60.64	43.26
Total Capital Ratio %	-	169.92	82.75	61.77	44.4
Core Tier 1 Capital Ratio	-	168.8	81.75	60.64	43.26
Tier 2 Capital Ratio	-	1.12	1.01	1.13	1.15
Coverage Ratio	-	242.76	298.99	256.98	1.02T
Interbank Ratio	24.99T	55.14L	15.36L	712.67	95.71
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	-6.46	1.15	1.14	1.3	1.36
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	462.12	812.29	129.42	15.7	-0.77
Non Interest Income, 1 Yr. Growth %	-82.61	90.27	285.09	147.37	48.11
Provision For Loan Losses, 1 Yr. Growth %	-75.95	142.17	598.54	1.22	-24.95
Total Revenues, 1 Yr. Growth %	-202.88	982.95	87.51	31.05	13.21
Earnings From Cont. Operations, 1 Yr. Growth %	55.43	-145.38	-81.5	354.74	77.6
Net Income, 1 Yr. Growth %	55.43	-145.38	-81.5	354.74	77.6
Normalized Net Income, 1 Yr. Growth %	59.57	-104.82	123.65	358.01	91.7
Diluted EPS Before Extra, 1 Yr. Growth %	-77.76	-128.81	-82.27	354.74	77.76
Gross Loans, 1 Yr. Growth %	218.81	491.32	75.6	38.1	35.96
Allowance For Loan Losses, 1 Yr. Growth %	146.81	55.56	112.45	-10.38	19.23
Net Loans, 1 Yr. Growth %	228.29	534.44	74.71	39.53	36.27
Non Performing Loans, 1 Yr. Growth %	-	-	451.36	-36.07	-73.52
Non Performing Assets, 1 Yr. Growth %	-	159.53	142.02	-11	-37.08
Total Assets, 1 Yr. Growth %	65.01	464.82	37.79	25.53	34.03
Total Deposits, 1 Yr Growth %	29.17	360.98	124.19	45.68	54.99
Tangible Book Value, 1 Yr. Growth %	58.9	616.5	-4.86	-5.6	-4.84
Common Equity, 1 Yr. Growth %	80.91	569.42	0.17	1.13	1.94
Total Equity, 1 Yr. Growth %	80.91	569.42	0.17	1.13	1.94
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	53.31	616.11	357.49	62.93	7.15
Non Interest Income, 2 Yr. CAGR %	-73.57	422.93	81.82	208.64	91.41
Provision For Loan Losses, 2 Yr. CAGR %	62.39	22.24	220.82	165.91	-12.84
Total Revenues, 2 Yr. CAGR %	38.92	233.79	355.41	56.76	21.8
Earnings From Cont. Operations, 2 Yr. CAGR %	185.31	-16.02	-71.03	-8.28	184.19
Net Income, 2 Yr. CAGR %	185.31	-16.02	-71.03	-8.28	184.19
Normalized Net Income, 2 Yr. CAGR %	221.39	-72.27	-67.17	220.05	196.31
Diluted EPS Before Extra, 2 Yr. CAGR %	7.93	-74.69	-77.4	-10.22	182.88
Gross Loans, 2 Yr. CAGR %	52.03	334.19	222.24	55.73	37.02
Allowance For Loan Losses, 2 Yr. CAGR %	199.83	95.94	81.79	37.98	3.37
Net Loans, 2 Yr. CAGR %	46.73	356.38	232.93	56.13	37.89
Non Performing Loans, 2 Yr. CAGR %	-	-	-	87.74	-58.86
Non Performing Assets, 2 Yr. CAGR %	-	-	150.62	46.76	-25.17
Total Assets, 2 Yr. CAGR %	81.1	205.29	178.97	31.52	29.71
Total Deposits, 2 Yr CAGR %	22.96	144.01	221.48	80.72	50.26
Tangible Book Value, 2 Yr. CAGR %	206.32	237.41	161.09	-5.23	-5.22
Common Equity, 2 Yr. CAGR %	226.56	248	158.96	0.65	1.53
Total Equity, 2 Yr. CAGR %	226.56	248	158.96	0.65	1.53
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	29.72	177.82	390	189.31	38.11
Non Interest Income, 3 Yr. CAGR %	-71.72	122.32	262.19	101.47	141.64
Provision For Loan Losses, 3 Yr. CAGR %	9.58	154	85.18	118.41	74.42
Total Revenues, 3 Yr. CAGR %	17.43	175.45	177.36	200.66	40.64
Earnings From Cont. Operations, 3 Yr. CAGR %	178.91	54.58	-49.28	-27.46	14.32
Net Income, 3 Yr. CAGR %	178.91	54.58	-49.28	-27.46	14.32
Normalized Net Income, 3 Yr. CAGR %	147.97	-20.75	-44.39	-20.97	169.79
Diluted EPS Before Extra, 3 Yr. CAGR %	45.89	-30.51	-77.52	-38.53	12.36
Gross Loans, 3 Yr. CAGR %	23.02	139.09	221.09	142.95	48.84
Allowance For Loan Losses, 3 Yr. CAGR %	55.63	140.92	101.29	43.61	31.42
Net Loans, 3 Yr. CAGR %	21.03	139.04	231.37	149.15	49.21
Non Performing Loans, 3 Yr. CAGR %	-	-21.72	-	-	-2.28
Non Performing Assets, 3 Yr. CAGR %	-	5.53	-	77.47	10.66
Total Assets, 3 Yr. CAGR %	37.57	164.59	134.18	113.77	32.35
Total Deposits, 3 Yr CAGR %	5.75	91.02	137.22	146.93	71.7
Tangible Book Value, 3 Yr. CAGR %	98.2	306.62	121.26	86	-5.1
Common Equity, 3 Yr. CAGR %	106.94	314.83	129.78	89.28	1.08
Total Equity, 3 Yr. CAGR %	106.94	314.83	129.78	89.28	1.08
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	13.46	77.72	114.76	124.42	166.76
Non Interest Income, 5 Yr. CAGR %	-41.67	43.07	43.95	116.19	180.64
Provision For Loan Losses, 5 Yr. CAGR %	-	21.61	103.33	134.23	36.99
Total Revenues, 5 Yr. CAGR %	5.34	145.95	101.94	120.77	99.57
Earnings From Cont. Operations, 5 Yr. CAGR %	260.88	20.88	12.74	25.45	1.05
Net Income, 5 Yr. CAGR %	260.88	20.88	12.74	25.45	1.05
Normalized Net Income, 5 Yr. CAGR %	375.55	-24.76	10.44	38.51	8.59
Diluted EPS Before Extra, 5 Yr. CAGR %	133.95	-25.18	-30.81	-23.01	-38.1
Gross Loans, 5 Yr. CAGR %	14.18	62.31	80.82	101.41	128.4
Allowance For Loan Losses, 5 Yr. CAGR %	117.22	52.9	65.61	92.78	54.19
Net Loans, 5 Yr. CAGR %	12.13	62.58	81.41	101.6	133.35
Non Performing Loans, 5 Yr. CAGR %	-	-16.76	26.92	11.08	-
Non Performing Assets, 5 Yr. CAGR %	-	4.53	27.52	20.41	-
Total Assets, 5 Yr. CAGR %	23.93	73.87	82.53	100.05	84.89
Total Deposits, 5 Yr CAGR %	5.13	43.73	64.98	86.83	97.62
Tangible Book Value, 5 Yr. CAGR %	58.85	120.99	121.3	127.08	57.63
Common Equity, 5 Yr. CAGR %	62.97	123.7	126.36	135.42	65.74
Total Equity, 5 Yr. CAGR %	62.97	123.7	126.36	135.42	65.74